Chime Financial, Inc. (CHYM) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 5, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CHYM SEC filings page.
Chime Financial, Inc. (CHYM) reported $2.5B in revenue over the twelve months to Jun 30, 2026. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 3 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Chime’s revenue engine is expanding, but operating spending overwhelmed gross economics and left reported profit deeply negative.
Gross economics improved: gross margin rose from82.8% in FY2023 to88.0% in FY2025, yet operating margin worsened from-18.4% to-47.6% . R&D and SG&A reached a combined$1.4B in FY2025, pointing to an expanded operating cost base rather than deterioration in the cost of revenue.
Despite a FY2025 net loss of
The balance sheet changed regime: equity moved from
Financial Health Signals
Scored against operating companies for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Chime Financial, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Chime Financial, Inc. has an operating margin of -47.6%, meaning the company loses $48 on every $100 of revenue. This results in a profitability score of 19/100. This is down from -3.7% the prior year.
Chime Financial, Inc.'s revenue surged 30.7% year-over-year to $2.2B, reflecting rapid business expansion. This strong growth earns a score of 90/100.
Chime Financial, Inc. has a moderate D/E ratio of 0.40. This balance of debt and equity financing earns a leverage score of 64/100.
With a current ratio of 4.53, Chime Financial, Inc. holds $4.53 in current assets for every $1 of short-term obligations. This comfortable liquidity earns a score of 90/100.
Chime Financial, Inc.'s free cash flow margin of 1.5% results in a low score of 24/100. Capital expenditures of $19.9M absorb a large share of operating cash flow.
Chime Financial, Inc. posts a -72.1% return on equity (ROE), meaning it loses $72 for every $100 of shareholders' equity. This results in a returns score of 16/100.
Chime Financial, Inc. scores 8.79, well above the 2.99 safe threshold. The score is driven primarily by a large market capitalization ($10.3B) relative to total liabilities ($562.9M). This indicates low bankruptcy risk based on profitability, leverage, and asset efficiency.
Distress-screening estimate for non-financial companies. Not computed for banks or insurers, where the Altman model does not apply.
Chime Financial, Inc. passes 4 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 2 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, 1 of 2 efficiency signals pass.
Chime Financial, Inc. reported a net loss of $1.0B while generating $52.8M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal.
Key Financial Metrics
Earnings & Revenue
Chime Financial, Inc. generated $669.8M in revenue in Q2 2026. This represents an increase of 26.8% from the same quarter a year earlier. Against the prior quarter it is up 3.5%.
Chime Financial, Inc.'s EBITDA was $28.9M in Q2 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 103.1% from the same quarter a year earlier. Against the prior quarter it is down 46.3%.
Chime Financial, Inc. reported $27.9M in net income in Q2 2026. This represents an increase of 103.0% from the same quarter a year earlier. Against the prior quarter it is down 47.9%.
Chime Financial, Inc. earned $0.07 per diluted share (EPS) in Q2 2026. Against the prior quarter it is down 46.2%.
Cash & Balance Sheet
Chime Financial, Inc. generated $197.5M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 646.7% from the same quarter a year earlier. Against the prior quarter it is up 144.3%.
Chime Financial, Inc. held $536.0M in cash as of Q2 2026; long-term debt is not reported for that period.
Not reported for Q2 2026.
Margins & Returns
Chime Financial, Inc.'s gross margin was 88.8% in Q2 2026, indicating the percentage of revenue retained after direct costs. This is up 1.5 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.8 percentage points.
Chime Financial, Inc.'s operating margin was 3.2% in Q2 2026, reflecting core business profitability. Against the prior quarter it is down 4.0 percentage points. No change is given against Q2 2025: its reported ratio is below -100.0% of revenue, so it does not read as a share of revenue.
Chime Financial, Inc.'s net profit margin was 4.2% in Q2 2026, showing the share of revenue converted to profit. Against the prior quarter it is down 4.1 percentage points. No change is given against Q2 2025: its reported ratio is below -100.0% of revenue, so it does not read as a share of revenue.
Chime Financial, Inc.'s ROE was 2.0% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 66.6 percentage points from the same quarter a year earlier. Against the prior quarter it is down 1.7 percentage points.
Capital Allocation
Chime Financial, Inc. invested $112.1M in research and development in Q2 2026. This represents a decrease of 82.0% from the same quarter a year earlier. Against the prior quarter it is up 2.1%.
Chime Financial, Inc. spent $136.3M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. Against the prior quarter it is up 59.0%.
Chime Financial, Inc. invested $9.9M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 387.7% from the same quarter a year earlier. Against the prior quarter it is up 50.1%.
CHYM Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $669.8M+26.8% | $647.4M+24.8% | $596.4M | $543.5M+28.8% | $528.1M+37.5% | $518.7M | N/A | $421.9M |
| Cost of Revenue | $74.9M+11.6% | $67.1M+11.0% | $66.1M | $69.4M+29.7% | $67.1M+32.9% | $60.4M | N/A | $53.5M |
| Gross Profit | $594.9M+29.0% | $580.3M+26.6% | $530.3M | $474.1M+28.7% | $461.0M+38.2% | $458.3M | N/A | $368.4M |
| R&D Expenses | $112.1M-82.0% | $109.8M+41.0% | $111.3M | $123.9M+54.2% | $621.8M+724.9% | $77.9M | N/A | $80.4M |
| SG&A Expenses | $80.1M-71.3% | $70.5M+49.4% | $108.7M | $76.6M+64.2% | $279.7M+571.7% | $47.2M | N/A | $46.6M |
| Operating Income | $21.3M+102.3% | $46.2M+405.2% | -$53.8M | -$64.7M-111.2% | -$930.6M-9757.4% | $9.1M | N/A | -$30.6M |
| EBITDA | $28.9M+103.1% | $53.8M+228.3% | -$45.9M | -$57.2M-140.9% | -$923.2M-27533.6% | $16.4M | N/A | -$23.7M |
| Income Tax | $213K+120.3% | $455K-70.7% | $46K | $280K-87.3% | -$1.0M-1442.3% | $1.6M | N/A | $2.2M |
| Net Income | $27.9M+103.0% | $53.5M+313.1% | -$44.8M | -$54.7M-148.4% | -$923.4M-239937.9% | $12.9M-18.6% | N/A | -$22.0M |
| EPS (Basic) | $0.07+101.0% | $0.14 | $0.83+376.7% | -$0.15+55.9% | -$7.29 | $0.00 | -$0.30 | -$0.34 |
| EPS (Diluted) | $0.07 | $0.13 | $0.83+376.7% | -$0.15 | -$7.29 | $0.00 | -$0.30 | -$0.34 |
| Diluted Shares (Avg) | 393M | 400M+508.0% | N/A | 372M | 127M+95.8% | 66M | N/A | 65M |
Not reported in any period shown, so not listed: Interest Expense.
CHYM Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.0B+5.0% | $2.0B | $2.0B+34.5% | $2.0B | $1.9B | N/A | $1.5B | N/A |
| Current Assets | $1.8B+3.1% | $1.7B | $1.8B+36.4% | $1.8B | $1.7B | N/A | $1.3B | N/A |
| Cash & Equivalents | $536.0M-38.3% | $607.7M+91.0% | $466.3M+38.1% | $445.0M+64.3% | $868.3M+193.9% | $318.2M | $337.7M | $270.8M |
| Short-Term Investments | $527.4M+134.3% | $403.6M | $587.8M+59.4% | $633.7M | $225.1M | $0 | $368.9M | $0 |
| Accounts Receivable | $287.8M+25.3% | $294.3M | $257.9M+19.3% | $237.7M | $229.6M | N/A | $216.2M | N/A |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $27.5M0.0% | $27.5M | $27.5M0.0% | $27.5M | $27.5M | N/A | $27.5M | N/A |
| Total Liabilities | $591.8M+24.8% | $508.9M | $562.9M-83.4% | $519.0M | $474.4M | N/A | $3.4B | N/A |
| Current Liabilities | $387.2M+7.7% | $344.1M | $387.9M+3.5% | $355.9M | $359.7M | N/A | $374.8M | N/A |
| Non-Current Liabilities | $204.6M+78.4% | $164.8M | $175.0M-94.2% | $163.1M | $114.7M | N/A | $3.0B | N/A |
| Total Equity | $1.4B-1.6% | $1.4B+175.5% | $1.4B+172.6% | $1.4B+175.3% | $1.4B+174.8% | -$1.9B+1.3% | -$1.9B | -$1.9B |
| Retained Earnings | -$3.3B-0.6% | -$3.3B | -$3.4B-42.7% | -$3.3B | -$3.3B | N/A | -$2.4B | N/A |
Not reported in any period shown, so not listed: Inventory, Long-Term Debt.
CHYM Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $207.5M+628.1% | $87.5M+439.7% | $32.6M+78.6% | $17.5M+170.1% | $28.5M | -$25.8M | $18.2M | -$24.9M |
| Depreciation & Amortization | $7.6M+2.1% | $7.7M+5.6% | $7.8M+9.8% | $7.5M+8.7% | $7.4M+21.3% | $7.3M | $7.1M | $6.9M |
| Stock-Based Compensation | $69.4M-92.4% | $60.7M+597.5% | N/A | $84.8M+736.3% | $910.1M+14079.0% | $8.7M | N/A | $10.1M |
| Capital Expenditures | $9.9M+387.7% | $6.6M+315.6% | $14.2M+799.8% | $2.1M-33.6% | $2.0M | $1.6M | $1.6M | $3.1M |
| Free Cash Flow | $197.5M+646.7% | $80.9M+395.7% | $18.4M+10.2% | $15.4M+155.0% | $26.5M | -$27.3M | $16.7M | -$28.0M |
| Investing Cash Flow | -$141.9M-296.0% | $127.3M+1799.8% | $54.8M+8.6% | -$423.6M-109277.6% | $72.4M | $6.7M | $50.4M | $388K |
| Financing Cash Flow | -$86.7M-119.3% | -$73.4M-58119.8% | -$65.3M-13184.2% | -$17.0M-33844.0% | $450.1M | -$126K | $499K | -$50K |
| Share Buybacks | $136.3M | $85.7M | $77.5M | $0-100.0% | $0 | $0 | $0 | $357K |
Not reported in any period shown, so not listed: Dividends Paid.
CHYM Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 88.8%+1.5pp | 89.6%+1.3pp | 88.9% | 87.2%-0.1pp | 87.3%+0.4pp | 88.3% | N/A | 87.3% |
| Operating Margin | 3.2% | 7.1%+5.4pp | -9.0% | -11.9%-4.7pp | -176.2% | 1.8% | N/A | -7.3% |
| Net Margin | 4.2% | 8.3%+5.8pp | -7.5% | -10.1%-4.8pp | -174.8% | 2.5% | N/A | -5.2% |
| Return on Equity | 2.0%+66.6pp | 3.7% | -3.2% | -3.8% | -64.7% | N/A | N/A | N/A |
| Return on Assets | 1.4%+49.9pp | 2.7% | -2.3% | -2.8% | -48.5% | N/A | N/A | N/A |
| Current Ratio | 4.62-0.2x | 5.07 | 4.53+1.1x | 4.94 | 4.83 | N/A | 3.43 | N/A |
| Debt-to-Equity | 0.42+0.1x | 0.35 | 0.40 | 0.36 | 0.33 | N/A | N/A | N/A |
| Asset Turnover | 0.34+0.1x | 0.33 | 0.30 | 0.28 | 0.28 | N/A | N/A | N/A |
| FCF Margin | 29.5%+24.5pp | 12.5%+17.8pp | 3.1% | 2.8%+9.5pp | 5.0% | -5.3% | N/A | -6.6% |
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Operating Margin, Net Margin.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Chime Financial, Inc. CHYM | FY2025 | $2.2B | -$1.0B | -46.2% | $10.3B | 51/100 |
| Descartes Systems Group Inc DSGX | FY2026 | $729.0M | $163.8M | 22.5% | $6.9B | 80/100 |
| Open Text Corp OTEX | FY2026 | $5.2B | $643.0M | 12.3% | $5.4B | 48/100 |
| NICE Ltd NICE | FY2025 | $2.9B | $612.1M | 20.8% | $6.7B | 72/100 |
| Paylocity Holding Corporation PCTY | FY2026 | $1.8B | $269.7M | 15.2% | $7.7B | 75/100 |
Where Chime Financial, Inc. Ranks
Frequently Asked Questions
What is Chime Financial, Inc.'s annual revenue?
Chime Financial, Inc. (CHYM) reported $2.2B in total revenue for fiscal year 2025. This represents a 30.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Chime Financial, Inc.'s revenue growing?
Chime Financial, Inc. (CHYM) revenue grew by 30.7% year-over-year, from $1.7B to $2.2B in fiscal year 2025.
Is Chime Financial, Inc. profitable?
No, Chime Financial, Inc. (CHYM) reported a net income of -$1.0B in fiscal year 2025, with a net profit margin of -46.2%.
What is Chime Financial, Inc.'s EBITDA?
Chime Financial, Inc. (CHYM) had EBITDA of -$1.0B in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
What is Chime Financial, Inc.'s gross margin?
Chime Financial, Inc. (CHYM) had a gross margin of 88.0% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.
What is Chime Financial, Inc.'s operating margin?
Chime Financial, Inc. (CHYM) had an operating margin of -47.6% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is Chime Financial, Inc.'s net profit margin?
Chime Financial, Inc. (CHYM) had a net profit margin of -46.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Chime Financial, Inc.'s return on equity (ROE)?
Chime Financial, Inc. (CHYM) has a return on equity of -72.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Chime Financial, Inc.'s free cash flow?
Chime Financial, Inc. (CHYM) generated $32.9M in free cash flow during fiscal year 2025. This represents a -44.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Chime Financial, Inc.'s operating cash flow?
Chime Financial, Inc. (CHYM) generated $52.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Chime Financial, Inc.'s total assets?
Chime Financial, Inc. (CHYM) had $2.0B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Chime Financial, Inc.'s capital expenditures?
Chime Financial, Inc. (CHYM) invested $19.9M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
How much does Chime Financial, Inc. spend on research and development?
Chime Financial, Inc. (CHYM) invested $934.9M in research and development during fiscal year 2025.
What is Chime Financial, Inc.'s current ratio?
Chime Financial, Inc. (CHYM) had a current ratio of 4.53 as of fiscal year 2025, which is generally considered healthy.
What is Chime Financial, Inc.'s debt-to-equity ratio?
Chime Financial, Inc. (CHYM) had a debt-to-equity ratio of 0.40 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Chime Financial, Inc.'s return on assets (ROA)?
Chime Financial, Inc. (CHYM) had a return on assets of -51.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Chime Financial, Inc.'s P/E ratio?
Chime Financial, Inc. (CHYM) has no price-to-earnings ratio at the moment: net loss, so no earnings multiple (trailing 12 months to June 30, 2026). The market capitalization is $10.3B as of Oct 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Chime Financial, Inc.'s price-to-sales ratio?
Chime Financial, Inc. (CHYM) trades at 4.2x sales, its market capitalization divided by revenue of $2.5B revenue, trailing 12 months to June 30, 2026. The market capitalization is $10.3B as of Oct 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Chime Financial, Inc.'s Altman Z-Score?
Chime Financial, Inc. (CHYM) has an Altman Z-Score of 8.79, placing it in the Safe Zone (low bankruptcy risk). The Z-Score combines five financial ratios (working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets) to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.
What is Chime Financial, Inc.'s Piotroski F-Score?
Chime Financial, Inc. (CHYM) has a Piotroski F-Score of 4 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Chime Financial, Inc.'s earnings high quality?
Chime Financial, Inc. (CHYM) reported a net loss of $1.0B while generating $52.8M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Chime Financial, Inc.?
Chime Financial, Inc. (CHYM) scores 51 out of 100 on our Financial Health Score, indicating moderate standing within its operating companies peer group. The score is a 0-100 composite of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.